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Last Updated: February 25, 2025
Although homeownership in Chillicothe has many perks — such as being surrounded by nature — there are also downsides. One major headache many homeowners have to deal with at some point is replacing or repairing their home systems and appliances. A home warranty is a way to protect your savings from unexpected home repairs and expenses. With a home warranty in place, your repair costs can be considerably lower and allow you to live in your home with more peace of mind.
Finding the best home warranty on the market can be time-consuming, since there are lots of companies to choose from. That’s why our team at Today's Homeowner did the research and made a list of the top home warranty companies in Chillicothe for you.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
In Chillicothe, Liberty Home Guard offers the most trustworthy home warranty. Liberty has over 6 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. If you’re looking for a seamless complaint process and guaranteed service professionalism upon every repair visit, this is the plan for you. Plus, it has a 60-day workmanship guarantee and some of the best customer service in the industry. The 3 plans from Liberty are easily comprehensible and offer a mix of both system and appliance coverage.
Liberty Home Guard offers 3 plans for Chillicothe homeowners. The Appliance Guard, Systems Guard, and Total Home Guard are the options they have, which contain a mix of system and appliance coverage. Liberty has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $75.
Read more by visiting our comprehensive review of Liberty Home Guard. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
In Chillicothe, Choice Home Warranty offers the best overall home warranty. Choice has over 15 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. If you’re looking for very high coverage caps and simple-to-understand service contracts, this is the plan for you. Plus, it has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. The 2 plans from Choice are easily comprehensible and offer a mix of both system and appliance coverage.
Choice Home Warranty offers 2 plans for Chillicothe homeowners. The Basic Plan and Total Plan are the options they have, which contain a mix of system and appliance coverage. Choice has coverage caps of around $3,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are an affordable $85.
Read more by visiting our comprehensive review of Choice Home Warranty. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Chillicothe, Select Home Warranty offers the most cost-effective home warranty. Select has over 11 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. If you’re looking for a highly affordable service fee and free roof coverage upon purchase of a policy plan, this is the plan for you. Plus, it has an extensive network of highly trained professionals all over the country who are experts in home maintenance. The 3 plans from Select are easily comprehensible and offer a mix of both system and appliance coverage.
Select Home Warranty offers 3 plans for Chillicothe homeowners. The Bronze Care Plan, Gold Care Plan, and Platinum Care Plan are the options they have, which contain a mix of system and appliance coverage. Select has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are a reasonable $60.
Read more by visiting our comprehensive review of Select Home Warranty. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
In Chillicothe, American Home Shield offers the most customizable home warranty. AHS has over 26 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. If you’re looking for the ability to customize your plan with the coverages that work specifically for your home, this is the plan for you. Plus, it has a remarkably low claim denial rate in comparison to other home warranty companies. The 3 plans from AHS are easily comprehensible and offer a mix of both system and appliance coverage.
American Home Shield offers 3 plans for Chillicothe homeowners. The ShieldSilver, ShieldGold, and ShieldPlatinum are the options they have, which contain a mix of system and appliance coverage. AHS has coverage caps of around $2,500 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $125.
Read more by visiting our comprehensive review of American Home Shield. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In Chillicothe, Cinch Home Services offers the home warranty with the best workmanship guarantee. Cinch has over 44 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. If you’re looking for a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done, this is the plan for you. Plus, it has a broad range of coverage options that will give homeowners peace of mind. The 3 plans from Cinch are easily comprehensible and offer a mix of both system and appliance coverage.
Cinch Home Services offers 3 plans for Chillicothe homeowners. The Appliances Plan, Built-in Systems Plan, and Complete Home Plan are the options they have, which contain a mix of system and appliance coverage. Cinch has coverage caps of around $1,000-$2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $75 to $150.
Read more by visiting our comprehensive review of Cinch Home Services. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
In Chillicothe, The Home Service Club offers the best home warranty with the quickest service. HSC has over 15 years of experience in the industry and in that time has built a a skilled network of service technicians nationwide. If you’re looking for quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days, this is the plan for you. Plus, it has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. The 2 plans from HSC are easily comprehensible and offer a mix of both system and appliance coverage.
The Home Service Club offers 2 plans for Chillicothe homeowners. The Standard Coverage Plan and Comprehensive Coverage Plan are the options they have, which contain a mix of system and appliance coverage. HSC has coverage caps of around $2,000 for most appliances and systems, but with some plans, the coverage caps can be higher, so make sure to check with the company. Service fees are customizable and range from $65 to $90.
Read more by visiting our comprehensive review of The Home Service Club. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $5,767 |
| Heating | $3,845 |
| Electrical | $577 |
| Toilets | $481 |
| Washer/Dryer | $769 |
| Plumbing | $577 |
| Oven | $1,538 |
| Fridge | $577 |
A home warranty is a protection policy that helps cut costs for Chillicothe homeowners needing appliance and system repairs. These plans provide financial coverage to repair or swap out appliances and systems that stop working due to normal wear and tear. Homeowners submit a claim and pay a service fee when something breaks. The home warranty company then arranges a contractor to make the repair or replacement. The only time you may pay out-of-pocket is if the cost of the repair or replacement goes over the item's coverage limit. A home warranty gives homeowners peace of mind by helping avoid high-priced emergency repairs. The coverage is especially helpful for buyers of older houses or houses with fixtures near the end of their life span. However, homeowners with newer homes and working appliances might not require a home warranty.
Home warranties help protect your home systems and appliances. Common appliances covered under a home warranty include microwaves, refrigerators, dishwashers, washers, dryers, garbage disposals, and more. Covered systems include electrical, plumbing, air conditioning, and heating. Many home warranties offer additional add-on coverage options for locksmiths, septic systems, central vacuums, and even roof leaks. Chillicothe homeowners should know that most home warranty policies have a 30-day waiting period before they can be used to cover repairs. Additionally, policies typically only cover repairs and replacements that result from normal wear and tear. Home warranties don't cover problems such as cosmetic issues, natural disasters, pre-existing conditions, or misuse of a system or appliance. You need to keep up with preventative maintenance to help ensure that your next repair or replacement will be covered by the policy.
Here are some essential home warranty terms to learn before signing a contract:
There are several important considerations when choosing a home warranty provider:
Home warranty coverage varies, although most plans include protection for plumbing, heating, AC, electrical, and appliances. More extensive plans may also provide protection for extra things such as pools, well pumps, spas, and roof leaks. Look for providers with flexible coverage choices, including upgraded plans. This helps you customize your plan to your home's needs.
You'll pay a standard service fee of around $60 to $100 for each claim filed with your home warranty provider. This fee is charged per request and can quickly add up, so you may look for providers advertising more affordable fees to optimize savings on each repair claim. Certain providers may waive deductibles after a customer goes a period of time with no claims filed.
A home warranty company's reputation provides insights into factors such as repair speed, contractor expertise, claim approval rates, and customer satisfaction. Read through review sites like Google Reviews, TrustPilot, or the Better Business Bureau (BBB) to learn more about providers. Positive feedback and ratings suggest a company known for quality service.
Home warranty companies maintain networks of technicians to handle covered repairs. Larger networks raise the probability of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Chillicothe to get a sense of how soon your repairs could be handled in an emergency.
Some home warranty companies provide bonuses such as energy efficiency upgrades, smart home device protection, and maintenance discounts. These can add value beyond just repair coverage. Extra bonuses help maximize the usefulness of your home warranty.
Since temperatures in Chillicothe can be quite hot in the summer, the weather can put a lot of strain on your air conditioning unit and HVAC system. Buying a home warranty policy can help homeowners save money if one of these systems or appliances breaks down suddenly.
Not only can a home warranty save you money on repairs and replacements, it saves you time too. Instead of needing to vet service technicians on your own, home warranty providers do the work for you and send a contractor from their network right to your door when you need them. A home warranty can also yield value in other ways. For example, some plans can be transferred between owners when you sell your home.
There are also some downsides to purchasing a home warranty policy, like the coverage exclusions. For instance, home warranties may not cover systems or appliances that are already covered by a manufacturer's warranty.
Also, if you don’t maintain your home systems or appliances properly, or if they were damaged due to a natural disaster or animal infestation — anything besides normal wear and tear — the home warranty may not cover it.
A home warranty in Chillicothe can cost anywhere from $30 to $60 a month. The higher-priced plans usually have higher coverage limits, broader coverage, and a lower service fee. This cost is often lower if you pay annually instead of monthly. Some providers will also lower your up-front costs when you opt for a higher service fee.
Home warranties and home insurance differ in what sorts of damage they cover. Home warranties cover problems related to systems and appliances that need repairs or replacements due to normal wear and tear. A home insurance policy is a different plan that protects your entire home from natural disasters, which can sometimes be a concern in Chillicothe. It doesn't cover a normal appliance or system repairs.
First-time homebuyers, landlords, homeowners, real estate agents, and home sellers are all eligible for home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different kinds of home warranties in Chillicothe include plans that cover either appliances or systems as well as comprehensive plans. A comprehensive plan covers your systems and appliances, including your washing machine, drier, and heating and cooling systems. An appliance or system plan will cover only the specific items mentioned in the plan.
Home warranty plans generally offer coverage for a year. Many providers let you renew your plan yearly, and some offer month-to-month plans as well.
Usually the one who owns the home pays for the home warranty. In some cases, however, the person who is selling the home may purchase a home warranty policy and transfer the policy to the buyer. The new homeowner will then need to pay the service fees when using the policy. Since the average home value in Chillicothe is $150,123, a home warranty can save you some money when buying a home.
